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Cheap Auto Insurance in Illinois β€” Compare & Save Up to 40%

Average Illinois driver pays $163/mo for full coverage. The cheapest carrier is GEICO at $123/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Cheapest Auto Insurance Companies in Illinois (2026)

We compared full coverage rates from the top auto insurance companies in Illinois. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$738$123/mo
Progressive$834$139/mo
Country Financial$858$143/mo
State Farm$912$152/mo
Allstate$1,110$185/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Illinois Auto Insurance at a Glance

$163
Avg. Monthly (Full Coverage)
$123
Cheapest Monthly Rate
25/50/20
Minimum Liability Limits
14%
Uninsured Driver Rate

πŸŽ–οΈ Compare Illinois Auto Insurance Rates Now

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What You Should Know About Illinois Auto Insurance

For complete Illinois auto insurance laws and requirements, visit the Illinois Department of Insurance. For vehicle registration and licensing, visit the Illinois Secretary of State.

Full Coverage vs. Liability in Illinois

Full coverage in Illinois averages $163/month, while liability-only coverage averages $55/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 14% of Illinois drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Illinois Auto Insurance Guides

Explore specific auto insurance topics for Illinois:

Auto Insurance Rates by City in Illinois

Where you live in Illinois significantly affects your premium. Click your city for local rate comparisons:

πŸ“ Chicago, IL β€” $2,354/yrβ€Ί πŸ“ Aurora, IL β€” $1,977/yrβ€Ί πŸ“ Joliet, IL β€” $2,038/yrβ€Ί πŸ“ Naperville, IL β€” $1,944/yrβ€Ί πŸ“ Rockford, IL β€” $2,044/yrβ€Ί πŸ“ Elgin, IL β€” $1,970/yrβ€Ί πŸ“ Springfield, IL β€” $2,024/yrβ€Ί πŸ“ Peoria, IL β€” $2,068/yrβ€Ί πŸ“ Waukegan, IL β€” $1,917/yrβ€Ί πŸ“ Champaign, IL β€” $1,927/yrβ€Ί πŸ“ Cicero, IL β€” $1,874/yrβ€Ί πŸ“ Schaumburg, IL β€” $1,864/yrβ€Ί πŸ“ Bloomington, IL β€” $1,927/yrβ€Ί πŸ“ Evanston, IL β€” $1,927/yrβ€Ί πŸ“ Arlington Heights, IL β€” $1,957/yrβ€Ί πŸ“ Bolingbrook, IL β€” $1,959/yrβ€Ί πŸ“ Decatur, IL β€” $1,853/yrβ€Ί πŸ“ Palatine, IL β€” $1,933/yrβ€Ί πŸ“ Skokie, IL β€” $1,945/yrβ€Ί πŸ“ Des Plaines, IL β€” $1,910/yrβ€Ί πŸ“ Orland Park, IL β€” $1,966/yrβ€Ί πŸ“ Oak Lawn, IL β€” $1,838/yrβ€Ί πŸ“ Berwyn, IL β€” $1,889/yrβ€Ί πŸ“ Mount Prospect, IL β€” $1,855/yrβ€Ί πŸ“ Tinley Park, IL β€” $1,946/yrβ€Ί πŸ“ Oak Park, IL β€” $1,851/yrβ€Ί πŸ“ Wheaton, IL β€” $1,921/yrβ€Ί πŸ“ Normal, IL β€” $1,953/yrβ€Ί πŸ“ Hoffman Estates, IL β€” $1,865/yrβ€Ί πŸ“ Downers Grove, IL β€” $1,910/yrβ€Ί πŸ“ Glenview, IL β€” $1,853/yrβ€Ί πŸ“ Elmhurst, IL β€” $1,770/yrβ€Ί πŸ“ Plainfield, IL β€” $1,811/yrβ€Ί πŸ“ Lombard, IL β€” $1,879/yrβ€Ί πŸ“ Buffalo Grove, IL β€” $1,821/yrβ€Ί πŸ“ Moline, IL β€” $1,893/yrβ€Ί πŸ“ Belleville, IL β€” $1,804/yrβ€Ί πŸ“ Bartlett, IL β€” $1,773/yrβ€Ί πŸ“ DeKalb, IL β€” $1,878/yrβ€Ί πŸ“ Crystal Lake, IL β€” $1,771/yrβ€Ί πŸ“ Romeoville, IL β€” $1,792/yrβ€Ί πŸ“ Carol Stream, IL β€” $1,781/yrβ€Ί πŸ“ Park Ridge, IL β€” $1,793/yrβ€Ί πŸ“ Streamwood, IL β€” $1,875/yrβ€Ί πŸ“ Quincy, IL β€” $1,855/yrβ€Ί πŸ“ Wheeling, IL β€” $1,864/yrβ€Ί πŸ“ Urbana, IL β€” $1,782/yrβ€Ί πŸ“ Carpentersville, IL β€” $1,891/yrβ€Ί πŸ“ Hanover Park, IL β€” $1,805/yrβ€Ί πŸ“ Rock Island, IL β€” $1,819/yrβ€Ί πŸ“ Calumet City, IL β€” $1,890/yrβ€Ί πŸ“ Addison, IL β€” $1,845/yrβ€Ί πŸ“ Northbrook, IL β€” $1,807/yrβ€Ί πŸ“ Oswego, IL β€” $1,811/yrβ€Ί πŸ“ Woodridge, IL β€” $1,866/yrβ€Ί πŸ“ Glendale Heights, IL β€” $1,823/yrβ€Ί πŸ“ Elk Grove Village, IL β€” $1,889/yrβ€Ί πŸ“ O'Fallon, IL β€” $1,787/yrβ€Ί πŸ“ Pekin, IL β€” $1,849/yrβ€Ί πŸ“ Mundelein, IL β€” $1,781/yrβ€Ί πŸ“ Niles, IL β€” $1,890/yrβ€Ί πŸ“ North Chicago, IL β€” $1,836/yrβ€Ί πŸ“ Gurnee, IL β€” $1,850/yrβ€Ί πŸ“ Highland Park, IL β€” $1,876/yrβ€Ί πŸ“ Galesburg, IL β€” $1,818/yrβ€Ί πŸ“ Algonquin, IL β€” $1,812/yrβ€Ί πŸ“ Burbank, IL β€” $1,881/yrβ€Ί πŸ“ Danville, IL β€” $1,853/yrβ€Ί πŸ“ Lansing, IL β€” $1,871/yrβ€Ί πŸ“ Lake in the Hills, IL β€” $1,875/yrβ€Ί πŸ“ Glen Ellyn, IL β€” $1,884/yrβ€Ί πŸ“ Wilmette, IL β€” $1,775/yrβ€Ί πŸ“ Huntley, IL β€” $1,770/yrβ€Ί πŸ“ Granite City, IL β€” $1,777/yrβ€Ί πŸ“ Chicago Heights, IL β€” $1,759/yrβ€Ί πŸ“ Oak Forest, IL β€” $1,871/yrβ€Ί πŸ“ Round Lake Beach, IL β€” $1,835/yrβ€Ί πŸ“ New Lenox, IL β€” $1,872/yrβ€Ί πŸ“ McHenry, IL β€” $1,796/yrβ€Ί πŸ“ Vernon Hills, IL β€” $1,789/yrβ€Ί πŸ“ Edwardsville, IL β€” $1,860/yrβ€Ί πŸ“ Batavia, IL β€” $1,803/yrβ€Ί πŸ“ Lockport, IL β€” $1,889/yrβ€Ί πŸ“ Alton, IL β€” $1,775/yrβ€Ί πŸ“ Woodstock, IL β€” $1,889/yrβ€Ί πŸ“ West Chicago, IL β€” $1,830/yrβ€Ί πŸ“ Belvidere, IL β€” $1,804/yrβ€Ί πŸ“ Morton Grove, IL β€” $1,871/yrβ€Ί πŸ“ Melrose Park, IL β€” $1,832/yrβ€Ί πŸ“ Zion, IL β€” $1,758/yrβ€Ί πŸ“ Homer Glen, IL β€” $1,802/yrβ€Ί πŸ“ Elmwood Park, IL β€” $1,664/yrβ€Ί πŸ“ Westmont, IL β€” $1,777/yrβ€Ί πŸ“ Collinsville, IL β€” $1,757/yrβ€Ί πŸ“ Lisle, IL β€” $1,828/yrβ€Ί πŸ“ Rolling Meadows, IL β€” $1,773/yrβ€Ί πŸ“ Kankakee, IL β€” $1,821/yrβ€Ί πŸ“ Freeport, IL β€” $1,779/yrβ€Ί πŸ“ South Elgin, IL β€” $1,674/yrβ€Ί πŸ“ Maywood, IL β€” $1,687/yrβ€Ί πŸ“ Loves Park, IL β€” $1,766/yrβ€Ί πŸ“ Machesney Park, IL β€” $1,786/yrβ€Ί πŸ“ Roselle, IL β€” $1,706/yrβ€Ί πŸ“ Blue Island, IL β€” $1,771/yrβ€Ί πŸ“ East Peoria, IL β€” $1,764/yrβ€Ί πŸ“ Bloomingdale, IL β€” $1,825/yrβ€Ί πŸ“ Villa Park, IL β€” $1,738/yrβ€Ί πŸ“ Darien, IL β€” $1,732/yrβ€Ί πŸ“ Carbondale, IL β€” $1,698/yrβ€Ί πŸ“ Park Forest, IL β€” $1,662/yrβ€Ί πŸ“ Yorkville, IL β€” $1,728/yrβ€Ί πŸ“ South Holland, IL β€” $1,725/yrβ€Ί πŸ“ Dolton, IL β€” $1,757/yrβ€Ί πŸ“ Geneva, IL β€” $1,715/yrβ€Ί πŸ“ East Moline, IL β€” $1,766/yrβ€Ί πŸ“ Grayslake, IL β€” $1,741/yrβ€Ί πŸ“ Libertyville, IL β€” $1,734/yrβ€Ί πŸ“ Crest Hill, IL β€” $1,745/yrβ€Ί πŸ“ Harvey, IL β€” $1,731/yrβ€Ί πŸ“ Frankfort, IL β€” $1,695/yrβ€Ί πŸ“ Montgomery, IL β€” $1,681/yrβ€Ί πŸ“ Evergreen Park, IL β€” $1,784/yrβ€Ί πŸ“ Mokena, IL β€” $1,723/yrβ€Ί πŸ“ Lake Zurich, IL β€” $1,705/yrβ€Ί πŸ“ Brookfield, IL β€” $1,814/yrβ€Ί πŸ“ Homewood, IL β€” $1,757/yrβ€Ί πŸ“ Lake Forest, IL β€” $1,661/yrβ€Ί πŸ“ Deerfield, IL β€” $1,747/yrβ€Ί πŸ“ Matteson, IL β€” $1,771/yrβ€Ί πŸ“ Alsip, IL β€” $1,662/yrβ€Ί πŸ“ Ottawa, IL β€” $1,715/yrβ€Ί πŸ“ Bensenville, IL β€” $1,729/yrβ€Ί πŸ“ Bellwood, IL β€” $1,793/yrβ€Ί πŸ“ Round Lake, IL β€” $1,728/yrβ€Ί πŸ“ Sycamore, IL β€” $1,795/yrβ€Ί πŸ“ Palos Hills, IL β€” $1,772/yrβ€Ί πŸ“ Franklin Park, IL β€” $1,771/yrβ€Ί πŸ“ North Aurora, IL β€” $1,788/yrβ€Ί πŸ“ Shorewood, IL β€” $1,817/yrβ€Ί πŸ“ Bourbonnais, IL β€” $1,732/yrβ€Ί πŸ“ Cary, IL β€” $1,710/yrβ€Ί πŸ“ Godfrey, IL β€” $1,681/yrβ€Ί πŸ“ Lemont, IL β€” $1,813/yrβ€Ί πŸ“ Jacksonville, IL β€” $1,671/yrβ€Ί πŸ“ Hinsdale, IL β€” $1,685/yrβ€Ί πŸ“ Charleston, IL β€” $1,764/yrβ€Ί πŸ“ Morton, IL β€” $1,670/yrβ€Ί πŸ“ Bridgeview, IL β€” $1,730/yrβ€Ί πŸ“ Westchester, IL β€” $1,676/yrβ€Ί πŸ“ Mattoon, IL β€” $1,809/yrβ€Ί πŸ“ Marion, IL β€” $1,668/yrβ€Ί πŸ“ Country Club Hills, IL β€” $1,703/yrβ€Ί πŸ“ Fairview Heights, IL β€” $1,740/yrβ€Ί πŸ“ La Grange, IL β€” $1,814/yrβ€Ί πŸ“ Washington, IL β€” $1,660/yrβ€Ί πŸ“ Prospect Heights, IL β€” $1,707/yrβ€Ί πŸ“ Bradley, IL β€” $1,689/yrβ€Ί πŸ“ Dixon, IL β€” $1,771/yrβ€Ί πŸ“ Norridge, IL β€” $1,756/yrβ€Ί πŸ“ Macomb, IL β€” $1,689/yrβ€Ί πŸ“ Sterling, IL β€” $1,819/yrβ€Ί πŸ“ Antioch, IL β€” $1,660/yrβ€Ί πŸ“ Mount Vernon, IL β€” $1,812/yrβ€Ί πŸ“ Hickory Hills, IL β€” $1,711/yrβ€Ί πŸ“ Chicago Ridge, IL β€” $1,668/yrβ€Ί πŸ“ Lindenhurst, IL β€” $1,797/yrβ€Ί πŸ“ Swansea, IL β€” $1,739/yrβ€Ί πŸ“ Chatham, IL β€” $1,672/yrβ€Ί πŸ“ Forest Park, IL β€” $1,704/yrβ€Ί πŸ“ Midlothian, IL β€” $1,795/yrβ€Ί πŸ“ Beach Park, IL β€” $1,661/yrβ€Ί πŸ“ Morris, IL β€” $1,707/yrβ€Ί πŸ“ Shiloh, IL β€” $1,768/yrβ€Ί πŸ“ Wauconda, IL β€” $1,705/yrβ€Ί πŸ“ Wood Dale, IL β€” $1,734/yrβ€Ί πŸ“ Glen Carbon, IL β€” $1,663/yrβ€Ί πŸ“ Western Springs, IL β€” $1,751/yrβ€Ί πŸ“ Warrenville, IL β€” $1,722/yrβ€Ί πŸ“ La Grange Park, IL β€” $1,818/yrβ€Ί πŸ“ Lincolnwood, IL β€” $1,675/yrβ€Ί πŸ“ Channahon, IL β€” $1,753/yrβ€Ί πŸ“ Hazel Crest, IL β€” $1,743/yrβ€Ί πŸ“ Lincoln, IL β€” $1,670/yrβ€Ί πŸ“ Canton, IL β€” $1,777/yrβ€Ί πŸ“ Northlake, IL β€” $1,826/yrβ€Ί πŸ“ Richton Park, IL β€” $1,754/yrβ€Ί πŸ“ Minooka, IL β€” $1,757/yrβ€Ί πŸ“ Winnetka, IL β€” $1,832/yrβ€Ί πŸ“ Justice, IL β€” $1,678/yrβ€Ί πŸ“ Kewanee, IL β€” $1,681/yrβ€Ί πŸ“ Streator, IL β€” $1,751/yrβ€Ί πŸ“ Rantoul, IL β€” $1,806/yrβ€Ί πŸ“ Herrin, IL β€” $1,724/yrβ€Ί πŸ“ Effingham, IL β€” $1,718/yrβ€Ί πŸ“ Centralia, IL β€” $1,779/yrβ€Ί πŸ“ Cahokia, IL β€” $1,765/yrβ€Ί πŸ“ Palos Heights, IL β€” $1,809/yrβ€Ί πŸ“ Plano, IL β€” $1,762/yrβ€Ί πŸ“ River Forest, IL β€” $1,785/yrβ€Ί πŸ“ Schiller Park, IL β€” $1,807/yrβ€Ί πŸ“ Markham, IL β€” $1,674/yrβ€Ί πŸ“ Burr Ridge, IL β€” $1,800/yrβ€Ί πŸ“ Summit, IL β€” $1,667/yrβ€Ί πŸ“ Pontiac, IL β€” $1,717/yrβ€Ί πŸ“ Waterloo, IL β€” $1,805/yrβ€Ί πŸ“ Columbia, IL β€” $1,765/yrβ€Ί πŸ“ Roscoe, IL β€” $1,684/yrβ€Ί πŸ“ Fox Lake, IL β€” $1,733/yrβ€Ί πŸ“ Worth, IL β€” $1,771/yrβ€Ί πŸ“ Troy, IL β€” $1,757/yrβ€Ί πŸ“ Campton Hills, IL β€” $1,688/yrβ€Ί πŸ“ Crestwood, IL β€” $1,743/yrβ€Ί πŸ“ Lyons, IL β€” $1,703/yrβ€Ί πŸ“ Barrington, IL β€” $1,690/yrβ€Ί πŸ“ Riverdale, IL β€” $1,733/yrβ€Ί πŸ“ Gages Lake, IL β€” $1,689/yrβ€Ί πŸ“ River Grove, IL β€” $1,693/yrβ€Ί πŸ“ Taylorville, IL β€” $1,701/yrβ€Ί πŸ“ Wood River, IL β€” $1,690/yrβ€Ί πŸ“ Pingree Grove, IL β€” $1,751/yrβ€Ί

Illinois Auto Insurance FAQ

Who has the cheapest car insurance in Illinois?
Based on our 2026 analysis, GEICO offers the cheapest full coverage in Illinois at $123/month. However, rates vary significantly by driver β€” comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Illinois?
The average cost of full coverage auto insurance in Illinois is $163/month or $1,952/year. Liability-only coverage averages $55/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Illinois?
Illinois requires minimum liability limits of 25/50/20 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured β€” most experts recommend at least 50/100/50.
How can I save on auto insurance in Illinois?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Illinois have a lot of uninsured drivers?
Approximately 14% of Illinois drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Illinois Department of Insurance β€” official state insurance regulator for Illinois.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Illinois Secretary of State β€” Illinois vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

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